Tai: So as you can see I used this method to calculate the surface underneath the graph, and as you can clearly see the results show that....
Fellow MD1: Wait, what method? That looks pretty sciency!
Fellow MD2: Cool method, did you think of it yourself?
Tai: Huh, I just calculated the surface underneath the graph, it's basic calculus you know?
Fellow MD1: Calculus schmalculus, did you think of publishing your method
Fellow MD2: Yeah you should totally publish this! Call it Tai's method or something, it's awesome!
Tai: I guess...
???
137 citations-> Profit!!!!!!!

This counts for the US, most Dutch students won't have such debts. Tuition is 1500 EUR/year, many students find time for a parttime job during undergrad studies, otherwise mom & dad step in. I was debt free when I started my PhD.

Actually here (Netherlands) PhD students are not considered students, it's a job and you get a salary. I actually get paid more now then when I will be doing a Post-doc in North America, one year from now.